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Your guide to the Discover Refer-A-Friend program

Earn up to $500 annually by referring friends and family.

Updated

Fact checked
If you own an eligible Discover credit card and want to earn a statement credit reward, consider referring a friend or family member who doesn’t yet have a Discover card. If the person you refer is approved, you both earn a statement credit bonus.

Who can I refer to the program?

You can refer friends and family who don’t have a Discover credit card and have not opted out of receiving Discover marketing materials.

What cards can I refer?

To participate in Discover Refer-a-Friend, you must have one of the following cards:

  • Discover it® Miles Travel Credit Card
  • Discover it® Cash Back
  • Discover it® Student Cash Back
  • Discover it® Chrome Gas & Restaurant Card
  • Discover it® Chrome for Students

How much cash bonus can I earn?

The rewards you and your referred friend can earn with this program depends on the card you own.

Your credit card Referral reward per individual Maximum referrals per year
Discover it® Miles Travel Credit Card $100 5 ($500)
Discover it® Cash Back $50 10 ($500)
Discover it® Student Cash Back $50 10 ($500)
Discover it® Chrome Gas & Restaurant Card $50 10 ($500)
Discover it® Chrome for Students $50 10 ($500)

How can I refer a friend?

The process is a simple three steps:

  1. Log in to your Discover online account.
  2. Generate a referral link.
  3. Share your referral link by email or through social media.

If your referral is approved for a Discover credit card, the statement credit reward is posted to your account within one or two billing cycles.

Compare Discover cards to refer

Name Product Filter values Rewards Purchase APR Annual fee
Discover it® Cash Back
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
Discover it® Miles Travel Credit Card
1.5x miles on all purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
Earn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.
Discover it® Chrome Gas & Restaurant Card
2% back on gas and dining up to $1,000 combined quarterly, then 1% after that and on all other purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.
Discover it® Secured
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
22.99% variable
$0
2% cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
Discover it® Chrome for Students
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 6 months (then 12.99% to 21.99% variable)
$0
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.
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What to watch out for

Discover Refer-a-Friend comes with restrictions that can prevent you from earning a referral reward, including:

  • Time restrictions.
    You can earn a referral reward only if the person you refer applies and is approved by December 31, 2019.
  • Credit card restrictions.
    You can’t use the referral program if you own the Discover it® Secured or the Discover it® Business Card.

Bottom line

If your family or friends don’t have a Discover card yet, you can both earn a one-time reward after they apply and are approved for a card through your personal referral link.

If you’d rather earn rewards without the hassle of referrals, consider applying for a credit card with a generous signup bonus.

Frequently asked questions

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